Frequently Asked Questions

Alabama residents typically see initial results within 30-45 days, with significant improvements occurring within 3-6 months. Our local relationships with Alabama creditors and credit bureaus often allow for expedited dispute resolutions. SLAM Services referrals frequently experience 15-20% faster processing times due to our collaborative approach.

Alabama creditors like Regions Bank, BBVA (now PNC), and local credit unions have specific dispute procedures. Our Gardendale team maintains relationships with these institutions and understands Alabama state laws governing debt collection. We handle disputes professionally while leveraging our local knowledge for better outcomes.

Common Alabama credit report errors include medical debt from UAB Hospital, Brookwood Medical Center, and other healthcare providers. Municipal court fines from Jefferson County, Mobile County, and other Alabama jurisdictions often appear with incorrect dates or amounts. Student loans from Alabama universities and utility debts from Alabama Power also frequently contain errors requiring professional dispute assistance.

Yes, Alabama follows federal CROA regulations but also has additional consumer protection laws. Alabama residents have specific rights regarding debt collection practices and credit reporting. The Alabama statute of limitations on debt collection differs from other states, and our team leverages these protections in our dispute strategies for better client outcomes.

SLAM Services clients receive priority scheduling and coordinated service delivery. The referral process includes streamlined intake, faster dispute processing due to established trust relationships, and collaborative case management. This partnership has proven especially effective for Alabama families, with referrals typically achieving faster resolutions than direct clients.

By law, no credit repair company can guarantee specific results or promise to remove accurate information from your credit report. However, we have a proven track record of helping clients improve their credit scores by removing inaccurate, outdated, or unverifiable information.

Our services include comprehensive credit report analysis, dispute of inaccurate items, communication with credit bureaus and creditors, credit education, personalized action plans, and ongoing support throughout the process. Premium plans also include credit monitoring and debt counseling.

We offer two plans: Basic ($99/month + $99 setup fee) and Premium ($149/month + $149 setup fee). Both plans include core credit repair services, with the Premium plan offering additional features like credit monitoring and priority support. We also offer a 3-day cancellation period as required by law.

Yes, you have the right to dispute items on your credit report yourself. However, credit repair can be time-consuming and complex. Our expertise, experience with credit bureau procedures, and knowledge of consumer protection laws can help achieve better results more efficiently than doing it alone.

Credit repair itself doesn't hurt your credit score. Disputing inaccurate information is your legal right and doesn't negatively impact your score. However, your score might fluctuate during the process as items are investigated, but the goal is always long-term improvement.

We're committed to your satisfaction and work diligently on every case. You have a 3-day right to cancel after signing up for a full refund. After that period, you can cancel with 30 days' notice. We maintain open communication throughout the process to ensure you're informed about progress and any challenges.